Should I Pay Off Debt or Invest? This calculator will help determine whether you should invest funds or pay down debt. You are viewing this website at a small screen resolution which doesn't support calculators. Click here to view this calculator. Have A Question About This Topic? Name Email Address Question Thank you! Oops! Related Content The Financial Literacy Crisis Many Americans are operating their personal finances with only the barest minimum of knowledge. Password Protection Strategies Simple steps may help you foil hackers and protect your privacy. What Is My Current Cash Flow? Assess whether you are running “in the black” or “in the red” each month.